daofaziran(daofaziran)
All eyes have been on the Bank of Canada’s rate tightening and its impact on variable mortgages, but now there are fresh concerns given the flurry of recent increases to 5-year fixed mortgage rates.
(#14588058@0)
Last Updated: 2022-5-26
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Replies, comments and Discussions:
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枫下家园 / 枫下觅巢 / 实际利率超过3.25%之后，利率每增加0.5%， 请问贷款额会降低多少？每家银行一样吗？谢谢！
-daofaziran(daofaziran);
2022-5-26
(#14587894@0)
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贷款额根据stress test利率不根据实际利率
-idontknowa(idontknow);
2022-5-26
(#14587916@0)
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那是实际利率小于3.25%的时候。当实际利率大于3.25%的时候，再加2%大过5.25%，这时候要按实际利率来算了。贷款额要降低了。
-daofaziran(daofaziran);
2022-5-26
(#14587961@0)
+4
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100万30年贷款增加300月供，月供不变情况下贷款额减少约5.3万
-idontknowa(idontknow);
2022-5-26
(#14588006@0)
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根据这个链接，1% above3.25%, 贷款额降9%，不知这个例子是否具有普遍性。
-daofaziran(daofaziran);
2022-5-26
{715}
(#14588058@0)
+2
All eyes have been on the Bank of Canada’s rate tightening and its impact on variable mortgages, but now there are fresh concerns given the flurry of recent increases to 5-year fixed mortgage rates.
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我说的月供增加300是你问的增加0.5利率的情况。增加1%，贷款额降低10.2万。
-idontknowa(idontknow);
2022-5-26
(#14588222@0)
+2
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谢谢，我问的是贷款额不是月供。你是说每增加1%，对于原本可以贷100万的， 贷款额会降大约10.2万？
-daofaziran(daofaziran);
2022-5-26
(#14588266@0)
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是的，贷款额是根据月供计算的
-idontknowa(idontknow);
2022-5-26
(#14588604@0)
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多谢！
-daofaziran(daofaziran);
2022-5-26
(#14588766@0)
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sounds right to me. 25 year amortization is roughly 10 year duration. So for every 1% change in rate, the PV change is 10%.
-jeffrey815(Smartiecat);
2022-5-26
(#14588609@0)
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多谢！
-daofaziran(daofaziran);
2022-5-26
(#14588763@0)
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贷款额会降低，大约就像上面所计算的。如果近期有贷款需求，应该早做打算，BMO贷款可以了解一下。
-paynep(_);
2022-5-27
(#14589162@0)
